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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
1st Advantage Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 11, 2026
1st Advantage Bank's top rates as of October 11, 2026 are 4.01% APY on its 60-Months 60-Month ADVANTAGE CD/IRA, 3.10% APY on savings, 2.10% APY on money market accounts, and 0.10% APY on checking, according to rates verified by MonitorBankRates. Other 1st Advantage Bank CD rates include 48-Months 48-Month ADVANTAGE CD/IRA at 3.96%, 11-Month CD at 3.95%, and 11-Month Certificate Special at 3.95%. MonitorBankRates evaluates the financial stability of 1st Advantage Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates last updated and verified on 10/11/2026.
1st Advantage Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Advantage Bank? Share your experience about 1st Advantage Bank by leaving a review below, or read customer reviews before you decide to use 1st Advantage Bank.
1st Advantage Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
1st Advantage Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.12%
ExcellentLower than avg
1st Advantage Bank Texas Ratio
1st Advantage Bank's Texas Ratio is 1.12%, which is considered excellent and is lower than the national average of 5.85%.
1st Advantage Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.00% to 1.12% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
1st Advantage Bank CD Rates
Product
Rate
APY
Term
View More
60 month ADVANTAGE CD/IRA
3.95%
4.01%
60 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
Oct 7, 20264.01%▲ from 3.91%
Sep 11, 20263.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
48 month ADVANTAGE CD/IRA
3.90%
3.96%
48 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85%
Oct 7, 20263.96%▲ from 3.85%
Sep 11, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
11 month CD
-
3.95%
11 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
Oct 7, 20263.95%▲ from 3.70%
Sep 11, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
11 Month Certificate Special
3.89%
3.95%
11 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
Oct 7, 20263.95%▲ from 3.70%
Sep 11, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
20 Month Certificate Special
3.89%
3.95%
20 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
Oct 7, 20263.95%▲ from 3.70%
Sep 11, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
7 month CD
-
3.95%
7 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
Oct 7, 20263.95%▲ from 3.70%
Sep 11, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
7 Month Certificate Special
3.89%
3.95%
7 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
Oct 7, 20263.95%▲ from 3.70%
Sep 11, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
36 month ADVANTAGE CD/IRA
3.80%
3.85%
36 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76%
Oct 7, 20263.85%▲ from 3.76%
Sep 11, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
24 month ADVANTAGE CD/IRA
3.75%
3.80%
24 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.71% → 3.80% ▲ 0.09 pts · high 3.80% / low 3.71%
Oct 7, 20263.80%▲ from 3.71%
Sep 11, 20263.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
18 month ADVANTAGE CD/IRA
3.71%
3.76%
18 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
Oct 7, 20263.76%▲ from 3.66%
Sep 11, 20263.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
60 month CD/IRA
3.70%
3.75%
60 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
Oct 7, 20263.75%▲ from 3.65%
Sep 11, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
12 month ADVANTAGE CD/IRA
3.66%
3.71%
12 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
Oct 7, 20263.71%▲ from 3.61%
Sep 11, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
48 month CD/IRA
3.65%
3.70%
48 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
Oct 7, 20263.70%▲ from 3.60%
Sep 11, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
3 month ADVANTAGE CD/IRA
3.56%
3.61%
3 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
Oct 7, 20263.61%▲ from 3.51%
Sep 11, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
6 month ADVANTAGE CD/IRA
3.56%
3.61%
6 months
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
Oct 7, 20263.61%▲ from 3.51%
Sep 11, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
36 month CD/IRA
3.55%
3.60%
36 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51%
Oct 7, 20263.60%▲ from 3.51%
Sep 11, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
24 month CD/IRA
3.50%
3.55%
24 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
Oct 7, 20263.55%▲ from 3.45%
Sep 11, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
14 month Access CD Special
3.46%
3.51%
14 month
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 3.51% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
18 month CD/IRA
3.46%
3.51%
18 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40%
Oct 7, 20263.51%▲ from 3.40%
Sep 11, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
12 month CD/IRA
3.41%
3.45%
12 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
Oct 7, 20263.45%▲ from 3.35%
Sep 11, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
3 month CD/IRA
3.31%
3.35%
3 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
Oct 7, 20263.35%▲ from 3.25%
Sep 11, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
6 month CD/IRA
3.31%
3.35%
6 month
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
Oct 7, 20263.35%▲ from 3.25%
Sep 11, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
1st Advantage Bank Savings Rates
Product
Rate
APY
View More
Investment Savings
3.06%
3.10%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Investment Savings
2.48%
2.50%
Min Balance$500,000
DetailsBalance: $500,000 - $999,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Investment Savings
1.49%
1.50%
Min Balance$1,000
DetailsBalance: $1,000 - $499,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.40%
0.40%
Min Balance$250,000
DetailsBalance: $250,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.35%
0.35%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.30%
0.30%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.25%
0.25%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Savings
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Piggy Bank Savings
0.25%
0.25%
DetailsBalance: $.01 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Regular Savings
0.25%
0.25%
Min Balance$0
DetailsBalance: $.01 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
1st Advantage Bank Money Market Rates
Product
Rate
APY
View More
ADVANTAGE Money Market
2.08%
2.10%
Min Balance$250,000
DetailsBalance: $250,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market
2.08%
2.10%
Min Balance$250,000
DetailsBalance: $250,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Money Market
1.29%
1.30%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market
1.29%
1.30%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Money Market
1.19%
1.20%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Money Market
1.09%
1.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market
1.09%
1.10%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Money Market
1.05%
1.06%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.06% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market
1.05%
1.06%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.06% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Money Market
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
1st Advantage Bank Business Money Market Rates
Product
Rate
APY
View More
ADVANTAGE Business Money Market
2.08%
2.10%
Min Balance$250,000
DetailsBalance: $250,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Money Market
2.08%
2.10%
Min Balance$250,000
DetailsBalance: $250,000 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market
1.29%
1.30%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Money Market
1.29%
1.30%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market
1.19%
1.20%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market
1.09%
1.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Money Market
1.09%
1.10%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market
1.05%
1.06%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.06% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Money Market
1.05%
1.06%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.06% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Money Market
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
1st Advantage Bank Checking Rates
Product
Rate
APY
View More
ADVANTAGE Checking
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500 - up
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
ADVANTAGE Checking
0.10%
0.10%
Min Balance$0
DetailsBalance: $.01 - up
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Financial Health History
1st Advantage Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$212M
1.12%
5.0
A+
March 31, 2026
$206M
0.44%
5.0
A+
December 31, 2025
$216M
3.07%
5.0
A+
September 30, 2025
$209M
11.99%
5.0
A
June 30, 2025
$201M
12.25%
5.0
A
March 31, 2025
$182M
11.25%
5.0
A
December 31, 2024
$184M
0.00%
5.0
A+
September 30, 2024
$181M
0.00%
5.0
A+
June 30, 2024
$170M
0.00%
5.0
A+
March 31, 2024
$156M
0.00%
5.0
A+
December 31, 2023
$152M
0.00%
5.0
A+
September 30, 2023
$154M
0.00%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for 1st Advantage Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather 1st Advantage Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st Advantage Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name1st Advantage Bank
Bank Holding CompanyBANC INVESTORS LLC
Address
240 Salt Lick Rd,
Saint Peters, MO 63376 · St. Charles
1st Advantage Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About 1st Advantage Bank
How many branches does 1st Advantage Bank operate?
1st Advantage Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, 1st Advantage Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, 1st Advantage Bank provides members with tools to manage their accounts and build a solid financial history.
Does 1st Advantage Bank offer online and mobile banking?
Most modern institutions like 1st Advantage Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stadvantagebank.com.
Current 1st Advantage Bank Rates
12-Month CD3.45%
18-Month CD3.51%
24-Month CD3.55%
36-Month CD3.60%
48-Month CD3.70%
60-Month CD3.75%
Savings3.10%
MMA2.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
